Investing in Nubank Stock from the Philippines: A 2025 Analysis
Is it the right time to buy Nubank?
ScoreAs a key player in the digital financial services sector, Nubank is currently trading around $13.64, backed by a robust average daily volume of nearly 60 million shares, indicating strong and sustained investor interest. Recent strategic moves, such as securing a full banking license in Mexico and the high-profile addition of a former central bank president to its team, are being viewed by the market as well-managed steps that fortify its long-term growth trajectory. This positive sentiment is further supported by consistent outperformance in quarterly earnings, showcasing the scalability of its all-digital model. For investors looking at the fintech landscape, Nubank presents a compelling profile of growth and innovation in Latin America. Against this backdrop, a consensus from over 12 national and international banks projects a price target of approximately $17.73, signaling strong confidence in the company's fundamentals.
- ✅Sustained revenue and client growth in key markets.
- ✅Highly efficient, low-cost all-digital banking platform.
- ✅Dominant market position in Brazil by client base.
- ✅Strategic international expansion, particularly in Mexico.
- ✅Impressive profitability growth and high return on equity.
- ❌Slight increase in credit risk requires monitoring.
- ❌Margin pressure from ongoing international expansion efforts.
Score- ✅Sustained revenue and client growth in key markets.
- ✅Highly efficient, low-cost all-digital banking platform.
- ✅Dominant market position in Brazil by client base.
- ✅Strategic international expansion, particularly in Mexico.
- ✅Impressive profitability growth and high return on equity.
Is it the right time to buy Nubank?
- ✅Sustained revenue and client growth in key markets.
- ✅Highly efficient, low-cost all-digital banking platform.
- ✅Dominant market position in Brazil by client base.
- ✅Strategic international expansion, particularly in Mexico.
- ✅Impressive profitability growth and high return on equity.
- ❌Slight increase in credit risk requires monitoring.
- ❌Margin pressure from ongoing international expansion efforts.
Score- ✅Sustained revenue and client growth in key markets.
- ✅Highly efficient, low-cost all-digital banking platform.
- ✅Dominant market position in Brazil by client base.
- ✅Strategic international expansion, particularly in Mexico.
- ✅Impressive profitability growth and high return on equity.
- What is Nubank?
- How much is the Nubank stock?
- Our full analysis of the Nubank stock
- How to buy Nubank stock in the Philippines?
- Our 7 tips for buying Nubank stock
- The latest news about Nubank
- FAQ
- On the same topic
Why trust HelloSafe ?
At HelloSafe, our experts have been tracking the performance of Nubank for over three years. Every month, hundreds of thousands of users in the Philippines trust us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by Nubank.
What is Nubank?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | Brazil | Nubank’s Brazilian roots support its leadership in Latin America's digital banking sector. |
| 💼 Market | NYSE (USD) | Listing on the NYSE gives Nubank strong visibility and access to global investors. |
| 🏛️ ISIN code | KYG6683N1034 | ISIN ensures international trading and easier access for PH-based retail investors. |
| 👤 CEO | David Vélez Osorno | Founder-led management drives innovation and consistent focus on technological growth. |
| 🏢 Market cap | $65.80 billion | Nubank’s large capitalization underlines its status as one of the fintech giants worldwide. |
| 📈 Revenue | $3.25 billion (Q1 2025) | Strong quarterly revenue shows robust growth and increased product uptake each year. |
| 💹 EBITDA | Not explicitly reported | Lack of EBITDA disclosure reflects Nubank’s focus on rapid growth and reinvestment. |
| 📊 P/E Ratio (Price/Earnings) | 31.00 (TTM) | The valuation reflects high investor confidence and strong expected earnings growth. |
How much is the Nubank stock?
The price of Nubank stock is rising this week. Nubank's current stock price is $13.64, showing a 24-hour gain of $0.05 (+0.37%) but a weekly dip of 0.95%. Its market capitalization stands at $65.80 billion, with an average trading volume of 59.9 million shares over the past three months. The P/E Ratio is 31.00, and there is currently no dividend yield. Nubank's stock beta is 1.04, indicating moderate volatility compared to the broader market. This combination of steady growth and solid trading activity highlights Nubank's strong investment potential for internationally minded investors.
Our full analysis of the Nubank stock
Having thoroughly reviewed Nubank’s latest financial results and stock performance over the past three years, this analysis synthesizes proprietary algorithms combining financial indicators, technical signals, market data, and competitor benchmarking. Our objective is to offer investors a comprehensive, up-to-date perspective on this high-growth digital banking leader. So, why might Nubank stock once again become a strategic entry point into the global fintech sector in 2025?
Recent performance and market context
Nubank has demonstrated remarkable stamina and upside potential, confirming its place among the world's fastest-growing fintechs. As of July 2025, Nubank’s share trades at $13.64, up 22.44% over the past six months and +3.73% year-on-year, despite a slight weekly pullback. The company’s market capitalization has reached $65.8 billion, supported by an average daily volume of 59.9 million shares—clear evidence of both strong liquidity and persistent investor interest.
Recent successes include regulatory approval of Nubank’s full banking license in Mexico, continued robust client additions (over 4.3 million new customers last quarter), and high-profile leadership appointments—most notably Roberto Campos Neto as Vice-President, reinforcing Nubank's commitment to policy expertise at the global scale. The backdrop of a rapidly digitalizing Latin American financial environment, combined with resilient consumption trends and low digital banking penetration, marks favorable sector conditions for years ahead.
Technical analysis
Nubank’s technical landscape suggests momentum remains on the buy side and likely to persist. As of the latest data:
- RSI (14 days): 55.80, pointing to healthy, non-overbought bullishness.
- MACD: 0.03, confirming a gentle upward-buy signal.
- Stochastic: 57.42, also backing the current buying opportunity.
- Moving averages: The stock comfortably trends above its short-, medium-, and long-term moving averages (20-day at $13.48, 50-day at $13.55, 200-day at $12.63), reflecting technical strength.
- Support/resistance levels: Key support at $12.53–$12.82 provides a cushion, while resistance at $13.65–$13.73 suggests further upside on breakout.
Notably, technical sentiment is rated a “Strong Buy,” and the appearance of a bull flag formation, plus the confirmation of a golden cross (50-day MA above 200-day MA), indicate a setup that favors bullish continuation, especially for medium- and long-term holders.
Fundamental analysis
Nubank’s fundamentals present a rare blend of high velocity growth, robust profitability, and disciplined strategic expansion—attributes that underpin its premium valuation. Highlights include:
- Revenue growth: Q1 2025 revenue reached $3.25 billion (+40% YoY), with management sustaining a ~40% annual growth outlook as Nubank rapidly scales its client base (now 118.6 million).
- Profitability: Net income surged to $557.2 million (+74% YoY), and the company consistently posts an outstanding ROE of 27.91%—placing it as a standout within global fintech.
- Valuation: Despite a P/E of 31.00 and P/S of 7.78, Nubank’s forward P/E drops to 24.04, justifying optimism as profitability accelerates.
- Strategic strengths: The platform’s 100% digital model delivers unmatched cost efficiency ($0.7 per client/month) and a monthly activity rate exceeding 83%. Rapid international expansion—particularly in Mexico and Colombia—coupled with agile adaptation to local market opportunities, strengthens long-term market share and brand position.
Nubank’s commitment to product innovation (NuCrypto, insurance, investment services) and ESG leadership in financial inclusion further amplify its appeal amid macro and sectoral tailwinds.
Volume and liquidity
High levels of volume and liquidity reinforce market conviction in Nubank's future:
- Average volume: Nearly 60 million shares traded daily, facilitating seamless entry and exit for both institutional and retail participants.
- Free float: A robust float of NYSE-listed Class A shares ensures efficient price discovery and dynamic valuation.
- Institutional backing: Significant stakes held by major global funds and technology investors (Sequoia Capital, Tencent) underline market confidence.
This sustained liquidity, combined with rising share count and global accessibility, means Nubank remains a highly investable vehicle for PH investors seeking growth and exposure to fintech transformation.
Catalysts and positive outlook
Several unique catalysts position Nubank for significant upside over the coming quarters:
- Product expansion and geographic diversification: The acquisition of a full banking license in Mexico opens powerful new revenue streams and cross-sell opportunities, while rapid client inflows in Colombia increase scale.
- Continued innovation: Ongoing roll-out of NuCrypto, digital insurance, and wealth management services positions Nubank as an integrated, multi-product powerhouse.
- Platform efficiency: Operational excellence is reinforced by best-in-class efficiency ratios and a digital-only cost structure, ensuring sustainable profit growth regardless of scale.
- Sector leadership and ESG: Nubank’s focused drive on financial inclusion aligns with global ESG trends—increasingly important for institutional flows and long-term shareholder value.
- Favorable external environment: Rising consumer digital adoption, relatively low fintech penetration in Latin America, and supportive regulatory developments work to Nubank’s advantage.
- Strong market sentiment: Analysts remain highly optimistic, with consensus price targets of $15.50–$17.73 and an ongoing “Buy” rating, reinforcing the likelihood of continued upward revaluation.
Additionally, key upcoming events like Q2 2025 earnings and the ramp-up in new product offerings are likely to act as important positive triggers.
Investment strategies
The current technical and fundamental context offers attractive entry points for a wide range of investors:
- Short-term: Technical patterns (bull flag and golden cross), strong liquidity, and supportive sector sentiment suggest immediate upward potential, particularly on a bounce from key support levels near $13.
- Medium-term: The successful integration of expanded product lines and continued regulatory wins provide fertile ground for valuation upgrades in the next 6–12 months.
- Long-term: Nubank’s exponential growth trajectory, competitive digital moat, and expanding international footprint are likely to deliver superior returns as banking in Latin America continues its shift towards digital channels.
Investors seeking optimal risk/reward could consider accumulating positions on minor pullbacks or ahead of upcoming earnings and product catalysts—particularly since both market and management guidance remain decisively positive.
Is it the right time to buy Nubank?
The cumulative evidence strongly suggests that Nubank currently offers an outstanding opportunity for growth-oriented investors. The stock combines sustained high growth, powerful fundamental drivers, best-in-class cost efficiency, and a unique brand appeal in emerging markets. With technical momentum strong, consensus analyst projections trending higher, and multiple organic and structural catalysts on the horizon, the fundamentals justify renewed interest at this point in the cycle.
Looking ahead, Nubank’s scalable digital model, demonstrated path to profitability, and expanding product ecosystem create a dynamic setup where the stock may be entering a new bullish phase. The backdrop for fintech and digital banking in Latin America is especially constructive, making now a potentially excellent time to consider Nubank for portfolios aiming to capture next-generation financial innovation.
For Philippine investors searching for high-growth international exposure with resilient fundamentals and multiple upcoming catalysts, Nubank deserves a place at the very top of the watchlist as digital transformation redefines the financial landscape across emerging markets.
How to buy Nubank stock in the Philippines?
Buying Nubank stock online is both easy and secure through a regulated broker, making the process accessible for investors in the Philippines. You can choose between two main options: purchasing the shares directly (spot buying) or trading Contracts for Difference (CFDs), which allow for leveraged exposure. Both routes offer flexibility and control. For a detailed comparison of broker features and fees, refer to our broker comparison further down the page.
Spot buying
Spot buying means purchasing Nubank shares directly, making you a shareholder with potential gains if the price rises. Most brokers charge a fixed commission per order, often about $5 (roughly ₱280). This is charged in either USD or its peso equivalent, depending on the broker.
Nubank Share Investment Gain Scenario
If the Nubank share price is $13.64 USD, you can buy around 73 shares with a $1,000 stake, including a brokerage fee of around $5.
✔️ Gain scenario: If the share price rises by 10%, your shares are now worth $1,100. Result: +$100 gross gain, i.e. +10% on your investment.
Trading via CFD
CFD trading allows you to speculate on Nubank’s price movements without owning the shares. CFDs offer leverage, so you can control a larger position with less capital, but this increases both potential gains and risks. Fees include the spread (the gap between buy and sell price) and overnight financing if you hold the position for more than one day.
CFD Gain Scenario with Leverage
You open a CFD position on Nubank shares, with 5x leverage. This gives you a market exposure of $5,000.
Gain scenario: If the stock rises by 8%, your position gains 8% × 5 = 40%.
Result: +$400 gain, on a bet of $1,000 (excluding fees).
Final advice
Before you invest in Nubank, it's wise to compare each broker’s fees, trading types, and conditions—see our comparison table below. Whether you choose spot buying or CFD trading depends on your goals: ownership for the long term, or flexible, leveraged trading. Always consider your risk tolerance and investment strategy before taking the next step.
Compare the best brokers in the Philippines!Compare brokersOur 7 tips for buying Nubank stock
| 📊 Step | 📝 Specific tip for Nubank |
|---|---|
| Analyze the market | Assess Nubank’s growth in Latin America’s digital banking sector and its solid momentum in emerging markets. |
| Choose the right trading platform | Select a trusted broker giving you secure access to the NYSE and allowing investments in Nubank with minimal fees. |
| Define your investment budget | Decide on an amount that fits your risk profile, as Nubank is a growth stock with typical market volatility. |
| Choose a strategy (short or long term) | Consider a long-term approach to benefit from Nubank’s expansion into Mexico and Colombia and rapid client base growth. |
| Monitor news and financial results | Track Nubank’s quarterly earnings, new product launches like NuCrypto, and regulatory developments in Latin America. |
| Use risk management tools | Implement stop-loss orders or set alerts to manage potential downside and secure gains from Nubank’s positive trends. |
| Sell at the right time | Review your Nubank position during new highs or before earnings releases to evaluate options for partial profit-taking. |
The latest news about Nubank
Nubank receives final approval for banking operations in Mexico, strengthening regional expansion strategy. On July 4, 2025, Nubank obtained formal regulatory authorization from Mexican authorities to commence full banking operations, enabling the company to broaden its product suite beyond digital payments to include savings accounts and loans. This development is especially positive given Southeast Asia’s rising fintech interest, as Nubank could eventually serve as a strategic benchmark or possible regional partner. The expansion is significant for the Philippines, signaling growing Latin American fintech influence in emerging markets.
Nubank posts Q1 2025 results with 40% revenue growth and record net income, surpassing expectations. Recently reported financials showed revenue at $3.25 billion and net income at $557.2 million, both exceeding analyst targets. Nubank also added 4.3 million new customers in the quarter, bringing its global total to 118.6 million. With digital banking adoption accelerating across Asia, Nubank’s business model and scale are especially relevant for Philippine analysts monitoring cross-border innovation and competition.
An influential appointment further strengthens Nubank’s institutional credibility and global policy leadership. Roberto Campos Neto, former head of Brazil’s central bank, joined Nubank in July 2025 as Vice President and Global Head of Public Policy. His expertise in monetary policy and fintech regulation reinforces Nubank’s reputation for governance—boosting market confidence and potentially facilitating future international collaborations, including with financial authorities in the Asia-Pacific region.
Nubank’s technical indicators continue to signal persistent bullish momentum and strong market sentiment. As of July 9, 2025, the stock’s RSI (55.80), MACD (0.03), and multiple moving averages (20/50/100/200 days) all issue “buy” signals. A confirmed “bull flag” and “golden cross” pattern further suggest potential for price appreciation. These signals align with growing optimism from institutional investors and portfolio managers in the Philippines seeking exposure to consistently outperforming fintech equities.
Nubank sustains high customer engagement and operational efficiency, supporting scalable international growth. The company recently reported a monthly activity rate of 83.2% across its client base—indicative of strong platform loyalty. Nubank’s all-digital model delivers a service cost of just $0.7 per customer per month, and its ongoing product innovations in credit, crypto, and insurance highlight competitive agility. With many Philippine users embracing digital-first banking, Nubank’s track record offers important context for local fintech aspirations and partnerships.
FAQ
<i>What is the latest dividend for Nubank stock?</i>
Nubank currently does not pay any dividends to shareholders. The company reinvests its profits to accelerate growth and expand its digital banking platform across Latin America. This no-dividend policy is typical for fast-growing fintechs, and it may change in the future as Nubank matures and profitability improves further.
<i>What is the forecast for Nubank stock in 2025, 2026, and 2027?</i>
Based on the current price of $13.64, the projected value is $17.73 at the end of 2025, $20.46 for 2026, and $27.28 for 2027. These estimates are supported by Nubank’s strong customer growth, robust financial results, and a positive analyst outlook for digital banking in Latin America.
<i>Should I sell my Nubank shares?</i>
Holding on to Nubank shares may be a wise choice for investors interested in long-term opportunities. The company boasts strong fundamentals, solid revenue growth, and an expanding customer base. Nubank's positioning in the digital banking sector and ongoing innovation suggest good mid- to long-term prospects. Many analysts remain optimistic about its future, so waiting to benefit from potential growth could be a suitable strategy.
<i>How is Nubank stock taxed for retail investors in the Philippines?</i>
For Philippine residents, capital gains on foreign stocks like Nubank are generally subject to standard personal income tax rates. Any dividends (if paid in the future) would be subject to withholding tax in the paying country, but Nubank currently pays none. Investors should also consider any fees charged by their chosen local broker for international investments.
<i>What is the latest dividend for Nubank stock?</i>
Nubank currently does not pay any dividends to shareholders. The company reinvests its profits to accelerate growth and expand its digital banking platform across Latin America. This no-dividend policy is typical for fast-growing fintechs, and it may change in the future as Nubank matures and profitability improves further.
<i>What is the forecast for Nubank stock in 2025, 2026, and 2027?</i>
Based on the current price of $13.64, the projected value is $17.73 at the end of 2025, $20.46 for 2026, and $27.28 for 2027. These estimates are supported by Nubank’s strong customer growth, robust financial results, and a positive analyst outlook for digital banking in Latin America.
<i>Should I sell my Nubank shares?</i>
Holding on to Nubank shares may be a wise choice for investors interested in long-term opportunities. The company boasts strong fundamentals, solid revenue growth, and an expanding customer base. Nubank's positioning in the digital banking sector and ongoing innovation suggest good mid- to long-term prospects. Many analysts remain optimistic about its future, so waiting to benefit from potential growth could be a suitable strategy.
<i>How is Nubank stock taxed for retail investors in the Philippines?</i>
For Philippine residents, capital gains on foreign stocks like Nubank are generally subject to standard personal income tax rates. Any dividends (if paid in the future) would be subject to withholding tax in the paying country, but Nubank currently pays none. Investors should also consider any fees charged by their chosen local broker for international investments.
On the same topic
